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Title insurance: It’s another one of those mysterious fees buried inside the pile of paperwork you’ll receive at your loan closing. Who knows what it’s all about? All you’ve figured out is that lenders require a policy for their protection, and either you or the seller will have to pay for it — and then you’ll be asked if you want an owner’s title policy, too.Here’s how title insurance works, how to decide whether you need your own policy, and how much you can expect to pay. 492

They have become the Holy Grail of cleaning supplies this pandemic year: Lysol and Clorox wipes. Trying to find them is often an exercise in futility.Throw in Windex spray, Scrubbing Bubbles shower cleaner, and Formula 409, and they round out the list of popular disinfecting products that are nearly impossible to find in stores these days.Coleman Henderson, owner of a house cleaning company, said he often has to tell homeowners he can't come out that week because of disinfectant shortages."I have to postpone jobs because I can't get cleaning supplies." Henderson said.You can sometimes find these items for sale on Amazon (from third-party sellers) or eBay, but you may have to pay two to three times the retail price, if you can find them at all."People are really struggling right now, " said Grace Brombach, of the consumer watchdog group U.S. PIRG. "The last thing that they need to worry about is going online and finding the products that they really need to keep themselves safe at ridiculous prices."National brands remain in short supplyStan Beck, owner of a hardware store, said that even though national brands like Windex or Johnson are hard to find, off-brand products are often just as good."This is a basic product, like Windex, just a different brand," he said, pointing to a shelf of Brillo window cleaner in his store. Brillo? Yes, they make window cleaner, and he says it works as well as Windex.Some items, though, are in such short supply that even generic versions are hard to find.For instance, toilet paper is now plentiful, but paper towel supplies remain tight. Why? A CNN report says manufacturers worked overtime all summer to produce toilet paper, but did not boost paper towel production to the same extent.The result?Grocery stores now have enough toilet paper (though they are limiting sales again), but not enough Bounty or Scott paper towels.What you can doKaren Mallory is the manager of a Do-it Center. She has a shelf stocked with cleaning products that looks like a throwback to 2018.During our visit, she had Windex, Mr Clean, Spic n' Span, even a collection of N95 face masks, something that was impossible to find for five months.Mallory said many people don't realize that local hardware stores often have a much better selection than grocery or big box stores because of their group buying power, and the fact that fewer shoppers visit them for cleaning items.She said she can find almost anything, except those Holy Grail items: name-brand disinfecting wipes."We've tried ordering Lysol wipes," she said. "Absolutely. We're trying to keep up on what supplies we can. Some things are just not available."It's the same situation at grocery stores like Kroger.The spokeswoman for the nation's largest grocery chain, Kroger, Erin Rolfes said "our suppliers are continuing to work extra hours to keep up with the ongoing customer demand," but said shoppers buy out wipes and disinfectants the moment they are put on the shelves.So what can you do?Visit your grocery store midweek, first thing in the morning, when those wipes and other products are put out.Purchase store brands, or off brands, when you find them, especially when it comes to wipes and toilet cleaners.Visit your local hardware store, and get to know the manager. Some will hold products for you if you ask.Check Amazon frequently.But U.S. PIRG says resist the urge to pay double or triple the price on eBay, because that encourages sellers to charge even more.And report gouging to Amazon customer service. That way, you don't waste your money.___________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3876

There is a heavy police presence at Mercy Hospital in Chicago after there were reports of shots fired inside the building Monday afternoon.WLS-TV in Chicago is reporting there are multiple injuries, and the building is being partially evacuated. Chicago Police said one officer was shot and wounded, and he is in critical condition. The TV station has interviewed witnesses who said they saw at least one person get shot and heard as many as 20 gunshots fired.Some witnesses ducked and hid as they hear the gunshots ring out, WLS-TV reports.Police also said the suspect was shot. 602

Those who grew up on "Ren & Stimpy" may not have realized that they were watching the animated show that would change all the rules.Subversive, clever, and often outright demented, the chaotic tale of a dysfunctional friendship between a nerve-wracked Chihuahua and a sweet, dopey Manx cat connected with children and adults alike, helping lift Nickelodeon to pop culture prominence in the 1990s.Driven by a renegade spirit, the series slipped in edgy humor underneath executives' noses, made bold philosophical points, and disturbing psychological observations. A towering achievement that has only grown in stature over the decades since it aired, the characters continue to retain a cult following.Taking a cue from the ironic catchphrase/refrain "Happy Happy Joy Joy: The Ren & Stimpy Story" takes an incisive look at the show and proves that the way the sausage was made was often brutal.While directors Ron Cicero and Kimo Easterwood have a clear respect for the show's achievements and influence, they take an equally intense focus on exploring the dark underbelly of the facade.Through interviews with the likes of Bob Camp, Vincent Waller, Billy West, Chris Reccardi, Jim Gomez, Vanessa Coffey about the quirks, obsessions, and dark tendencies of series creator John Kricfalusi.Workers complained about unreasonable and unstable leadership from Kricfalusi, who had a tendency for self-destruction that plagued him at every stage of his career. A visionary who failed to yield to the influence of others as he remained devoted to his creative vision, he often drove away those who he relied on. He also exploited his fame to indulge in romance and power fantasies with young fans.Kricfalusi opens up in a shockingly candid manner, apologizing for some of his decisions while doubling down on others. What emerges is a complete, complex portrait of a troubled man who started from nothing, had it all and then lost just about everything. The series aired from 1991 to 1995 on Nickelodeon, then came back in a brief, adult-themed incarnation in 2003. Kricfalusi has now lost most of his creative relevance, and apparently, also his drive.While "Ren & Stimpy" superfans will get the most out of the documentary, it also makes for a fascinating ride for anyone with a passing interest in the evolving form of animation. There was little happiness or joy that went into the making of the masterpiece.RATING: 3.5 stars out of 4.Phil Villarreal TwitterPhil Villarreal FacebookPhil Villarreal Amazon Author PagePhil Villarreal Rotten Tomatoes This story was originally reported by Phil Villarreal at KGUN. 2628

This little girl from New Jersey just won Halloween.Julia Talbot, 9, has always enjoyed dressing up, and each Halloween her mom picks a female role model for her to embrace. This year is no different.2018 has been declared the year of women in politics, so it comes to no surprise that Julia dressed up as none other than US Supreme Court Justice?Ruth Bader Ginsburg.Being the?"Notorious RBG"?for Halloween is a statement on its own, but it's not why Julia has won the hearts of thousands with her costume.Her spot-on RBG ensemble includes a base -- her wheelchair -- decorated to look like the judge's bench.Julia was born with?Microcephaly, a rare condition that affects the size of a child's head, which prevents the brain from reaching its normal size and causes mild to severe learning disabilities.She is "substantially and profoundly disabled. She can't walk, talk or eat," Julia's mom, Lisa Talbot, told CNN.But this disability is not stopping Julia from living her best life. She loves the fact that her wheelchair can make her costumes that much more epic, and people just go gaga over her, her mom says."She loves attention. She loves life! She giggles all the time," Talbot said, and added that Julia loves that people on Halloween actually come up to her and engage with her, talk to her, and pay attention to her.And attention is what Julia got when her mom shared the photo on Twitter?of the little but mighty RBG impersonator.With a simple caption -- "My daughter's wheelchair made the PERFECT foundation for her Halloween costume" -- Julia's photo gained over 26,000 likes and nearly 6,000 retweets.Her parents always want to create costumes that send a positive message, whether it's subtle or not. They begin brainstorming ideas months in advance, and it takes them about 3-4 weeks to actually build the costumes."Anything that makes her excited is something we feel a responsibility and a mission to deliver for her. Because she has a hard life," Talbot said. "She is the joy of our life. You can't help but see the world through her eyes. She shows you what matters."For more of Julia's story, watch "Anderson Cooper Full Circle" on Facebook Watch tonight at 6:25 p.m. ET. 2206